The DAAD Insurance provides health, accident, and personal liability insurance for students, trainees, and academics (including their dependants who come to Germany). Holders of the DAAD scholarship receive the insurance automatically, meaning if you hold a scholarship funded directly by DAAD, or if you are a foreign scientist supported by the DAAD, you will receive insurance as part of the funding.
The DAAD (Deutscher Akademischer Austauschdienst) Scholarship in Germany is the largest funding organisation for international students. Ever since it was founded in 1925, it has funded around two million scholars in and out of Germany. It offers a wide range of degree programmes taught in both, English and German.
The DAAD Scholarship provides a monthly stipend to support your living expenses in Germany, including the health insurance as well as some travel expenses. The stipend varies depending on the students’ level of studies:
- Postgraduate students receive a monthly stipend of 850 Euros.
- Doctoral degree course students receive 1,200 Euros.
- Both Postgraduate and Doctoral students receive insurance and health coverage.
What Are the DAAD Insurance Types?
Terms and conditions for the DAAD insurance change slightly depending on your level of study and a number of certain other criteria. The types of DAAD Insurance are:
DAAD Insurance for Students and Graduates From European Countries
Monthly premium payment: € 64,00
This insurance is only available to students and graduates from the European Union while they complete their studies abroad in Germany. The insurance should start on the day of arrival and be valid up until the end of the sponsorship. The payment of the insurance can’t be calculated daily or weekly but on a monthly basis. For example, if the insurance starts on the 15th of January, it will expire on the 14 of February, and so on.
DAAD Insurance for International Students, Graduates and Scientist (Including Dependants)
Monthly premium payment:
- Scholarship holder: € 160,00
- Accompanying spouse: € 160,00
- Accompanying child (under 18): € 139,00
This insurance is only available to foreign students, graduates, and scientists who are supported by a partner organization of the DAAD, including their dependants or accompanying family members.
DAAD Insurance for International Students, Graduates, and Doctoral Candidates Supported by University Project Contracts
Monthly premium payment:
Scholarship holder: € 89,00
Accompanying spouse: € 145,00
Accompanying child (under 18): € 105,00
This insurance is only valid for the duration of the grant or scholarship and it is available only to international students, graduates, or doctoral candidates who are funded by university project contracts of the DAAD or its partner organizations.
DAAD Insurance for International Interns
Monthly premium payment: € 32,00
The DAAD insurance for international interns can only be taken by foreign interns completing an obligatory internship in Germany. Those who are completing voluntary internships are not eligible for this insurance.
What does the DAAD Insurance cover?
The Continentale Krankenversicherung a. G., Dortmund provides health insurance coverage in Germany and the states of the Schengen Agreement (temporary stay). The terms and conditions for international students are as follows:
- Costs will be reimbursed for necessary medical treatment (inpatient/outpatient) due to illness or accidents. Return transport or funeral transport costs will also be reimbursed.
- The insured event begins with treatment and ends when the insured does no longer need treatment.
- In case of pregnancy and delivery, examinations and medical treatment will also be insured.
- Outpatient check-ups for early disease detection.
- Death, for as long as benefits have been agreed.
What does Outpatient Treatment include?
Outpatient treatment (individuals who receive treatment without being admitted to the hospital) includes the following:
- Medical Services: This includes the entire outpatient medical services including radiodiagnosis and expenses for travel to the next available doctor.
- Pharmaceutical Products and Remedies: The insured person has to co-pay € 4.00 per package, for pharmaceutical products and dressing material.
- Prescribed Medical Aids and Appliances: Technical appliances or prostheses (not dental) that alleviate disabilities will be imbursed (those with simple design). This also includes costs for visual aids up to the amount of € 80.00, with a waiting period of 4 months.
- Transport Costs: Necessary transport to the nearest hospital will also be reimbursed.
- Psychotherapy: Expenses for depth psychology, oriented psychotherapy, behavioural therapy, and analytical psychotherapy will be reimbursed for up to 20 sessions per year.
What does Inpatient Treatment include?
Inpatient treatment (individuals who receive treatment and are admitted to a hospital) includes the following:
- Costs of General Hospital Care: Such as standard services, excluding private medical treatment or better accommodation expenses.
- Costs of Inpatient Treatment: Such as accommodation, medical treatment, and operations.
- Transport Costs: Meaning the costs of transport to the nearest hospital and back.
- Delivery Costs: Reimbursement applies to deliveries taking place 9 months after the inception date and beyond.
- Dental Treatment: Dental treatment includes costs for pain-relieving procedures and basic dental fillings. High quality fillings, dental restoration, and prostheses are excluded.
- Return Transport Costs: In case it is necessary for the diseased person to return to their home country, the insurance will cover the transport costs. The costs for an accompanying person will also be reimbursed if it is medically necessary.
- Repatriation Costs: Costs of repatriation in the event of death will also be reimbursed with an amount of up to € 30.000.
What does the Accident and Personal Liability Insurance cover?
The benefits of this insurance are provided by Generali Versicherungs AG, Munich, and the accident must be reported to DAAD within one week. A penalty order or a court order, however, must be reported to DAAD immediately. The benefits include:
- Accident Insurance: A 24/7 coverage is provided, while covering job-related and private accidents.
- Death by Accident: In the event of death by accident, € 5,500.00 will be paid.
- Accidental Disablement: A sum of € 26,000.00 with a progressive disability scale, and a maximum benefit of € 58,500.00 with 100% disability.
- Accident-related Medical Costs: In case the health insurance company can not cover all costs, then medical costs due to an accident will be reimbursed up to an amount of €1,000.00.
- Accident-related Salvage Costs: In case the health insurance company can not cover all costs, then the costs of operations, salvaging, or transporting the injured will be reimbursed with up to € 25,000.00.
- Cosmetic Surgery Costs: In case the health insurance company can not cover all costs, then the costs of cosmetic surgery due to accident will be reimbursed for up to € 6,000.00.
- Personal Liability Insurance: Liability claims against the insured person by third parties are insured with a sum of € 3,000,000.00 for personal injury or property damages and € 250,000.00 for rental property damage to immovable objects. Third party movable objects in rented rooms are insured with up to € 1,500.00.
What is not covered by the DAAD insurance?
The insurance does not reimburse or cover the following:
- If occurred before the inception of the insurance, HIV, multiple sclerosis, malignant tumors, haemophilia, leukemia, chronic kidney diseases, or other diseases will not be covered.
- Diseases or consequences as a result of engagement in wars or civil unrest.
- Spa or sanatorium treatments or rehabilitation measures.
- Diagnosis and treatment of sterility.
- Examinations and certificates in order to obtain residency permits, state fitness for travel in the tropics, or check up procedures after tropic travels.